Augmented reality numberless transaction card

ABSTRACT

A method implemented on an augmented reality (AR) electronic device includes receiving a request to activate a transaction card account on a transaction card. The transaction card account is activated on the transaction card. A virtual representation of account information corresponding to the transaction card account is displayed on the AR electronic device. The exterior of the transaction card is free of account identifying information.

BACKGROUND

Augmented reality is a technology in which a person's conception ofreality can be enhanced, typically through augmented sound, video orgraphics displays. The augmentation is typically implemented via varioustechnologies, such as a headset that may be worn by the person. One ormore augmented views may be presented to the person through the headset.

The augmented reality headset typically includes a wearable computer andan optical display mounted to the headset. The wearable computer mayinclude a wireless telecommunication capability, permitting a wirelessconnection from the wearable computer to a server computer. Because ofthe wireless telecommunication capability, the augmented reality headsetmay be used to interact with the server computer to accomplish varioustasks.

SUMMARY

Embodiments of the disclosure are directed to a method implemented on anaugmented reality (AR) electronic device, the method comprising:receiving a request to activate a transaction card account on atransaction card; activating the transaction card account on thetransaction card; and displaying a virtual representation of accountinformation corresponding to the transaction card account on the ARelectronic device, wherein the transaction card is free of accountidentifying information.

In another aspect, a transaction card comprises: a plastic housing; awireless communication device; a memory configured to store accountinformation for a plurality of transaction card accounts; one or moreelectronic components configured to activate one of the transaction cardaccounts when an activating command for the transaction card account isreceived at the transaction card; and an account information deliveryelement configured to deliver data related to the active transactioncard account.

In yet another aspect, an augmented reality (AR) device comprises: aprocessing unit; and system memory, the system memory includinginstructions which, when executed by the processing unit, cause the ARdevice to: initiate activation of a transaction card account on atransaction card; obtain identification factors from a person wearingthe AR device, the identification factors including at least onebiometric identification factor; authenticate the person wearing the ARdevice based on the obtained identification factors to determine thatthe wearer of the AR device is authorized to activate the transactioncard account on the transaction card and to view transaction cardaccount information on the AR device; after authenticating the personwearing the AR device, activate the transaction card account on thetransaction card, the activation of the transaction card comprisingsending a wireless signal to the transaction card, the wireless signalincluding information identifying the transaction card account to beactivated; and display a virtual representation of account identifyinginformation corresponding to the activated transaction card account onthe AR electronic device, the virtual representation being projected onthe transaction card by the AR electronic device, the accountidentifying information including one or more of an account name, anaccount number, an expiration date and a card verification value (CVV)for the transaction card account, wherein an exterior of the transactioncard is free of the account identifying information.

The details of one or more techniques are set forth in the accompanyingdrawings and the description below. Other features, objects, andadvantages of these techniques will be apparent from the description,drawings, and claims.

DESCRIPTION OF THE DRAWINGS

FIG. 1 shows an example system that may be used for an augmented reality(AR) numberless transaction card.

FIG. 2 shows example modules of the AR device of FIG. 1.

FIG. 3 shows example components of the transaction card of FIG. 1.

FIG. 4 shows an example user interface for a digital dashboard.

FIG. 5 shows a flowchart for an example method of configuring and usingthe transaction card of FIG. 1.

FIG. 6 shows another flowchart for an example method of configuring andusing the transaction card of FIG. 1.

FIG. 7 shows example physical components of the AR device of FIG. 1.

DETAILED DESCRIPTION

The present disclosure is directed to systems and methods for usingaugmented reality (AR) to implement a numberless transaction card. Thenumberless transaction card is a transaction card that can include aname of a user and also includes a name and typically a logo for afinancial institution. However, the numberless transaction card does nothave an account number, card verification value (CVV) number, expirationdate, or other account identifying information printed or embossed onthe transaction card. Instead, the transaction card includes one or morevirtual account numbers, CVV numbers and/or expiration dates stored onthe numberless transaction card. The virtual account numbers, CVVnumbers and/or expiration dates on the numberless transaction cardcorresponds to actual transaction card accounts, but are only viewablethrough an AR electronic device of an authorized user. In someembodiments, the account information is displayed on the numberlesstransaction card when viewing the numberless transaction card throughthe AR electronic device.

By using virtual accounts rather than having account numbers, CVVnumbers and/or expiration dates printed, embossed or otherwise displayedon the transaction card, security of the transaction card is enhanced.The account number, CVV number and/or expiration date for an activeaccount on the transaction card may only be viewed by an authorized uservia the AR device. As discussed later herein, the authorized user isidentified as being a person configured to be associated with the ARdevice. A person without an AR device, using another AR device, and/orusing the specific AR device without being properly authenticated is notable to view the account number, CVV number and/or expiration date.

If an account for the transaction card becomes comprised, for examplethrough unauthorized use, the financial institution can alert the userof the transaction card about the compromised account and issue areplacement account number and CVV number for the same transaction card,without needing to physically issue another transaction card to theuser. Also, the financial institution can remotely renew an expiringtransaction card without needing to issue another transaction card tothe user.

The replacement transaction card information can be transmitted from theuser's AR device to the transaction card, for example, to update theaccount information stored on the transaction card. In some embodiments,when the transaction card is compromised, an alert is virtuallydisplayed, for example via a pop-up window, on the transaction card whenviewed through the AR device. The alert lets the user know that theaccount number has been remotely changed or is in the process of beingchanged. A contact number or link may be included as well to provideaccess to an additional explanation and/or assistance. A second alertmay also be sent via text message or email.

In addition, because one transaction card may be associated with aplurality of account numbers, the one transaction card may be used inplace of separate transaction cards for each account. This reduces acost and inconvenience of carrying and using multiple transaction cards.

As used in this disclosure, a numberless transaction card is atransaction card that does not have account identifying information suchas an account number, CVV code or expiration date printed or embossed onthe transaction card. However, the numberless transaction card mayinclude other numbers, such as an address of a financial institution. Inaddition, the account number may include characters as well as numbers.

As used in this disclosure, a transaction card is a credit card, a debitcard, a loyalty card, a rewards card, a gift card or other similar typecards. Using the systems and methods, the numberless transaction cardmay be used as a credit card, a debit card, a loyalty card, a rewardscard or a gift card or may be used as a credit card, a debit card, aloyalty card, a rewards card or a gift card for a plurality of accounts,as explained in more detail later herein.

The systems and methods are generally described for an AR device thatmay be worn or carried by a user. An example of and AR device that maybe worn by the user is an AR headset. An example of an AR device thatmay be carried by the user is a smart telephone or tablet computer thatincludes AR components such as a processor, display and camera and an ARsoftware application.

The AR headset includes a wearable computer, a camera and an opticaldisplay. The wearable computer includes a wireless telecommunicationcapability, permitting a wireless connection between the wearablecomputer and one or more server computers. The wearable computer alsoincludes voice recognition capability, permitting the user to direct thewearable computer via voice commands. In addition, in someimplementations, the wearable computer also includes biometriccapability such as facial recognition, retinal scan capability, fingerprint scan capability, and/or voice print analysis capability. Theoptical display reflects projected images and also permits the user tosee through the display.

One type of AR headset described in this disclosure is a smart glasstype of headset, similar to eyeglasses, which may be worn by the user.The user may view AR images in the glass portion of the headset. Anexample of a smart glass headset is Google Glass, from Google Inc. ofMountain View, Calif.

In order to ensure that account information is only displayed to anauthorized user, the user needs to be identified. Once identified theaccount information may be viewed by the user on the AR device. The userof the AR device can be identified using one or more biometricidentification methods including facial recognition, retinal scan,finger print scan or voice print analysis. Other methods for identifyingthe user may be used.

Using the systems and methods of the present disclosure, informationrelated to transaction card accounts can be entered into a digitaldashboard. The digital dashboard is a user interface of a computingdevice, for example a financial services software application accessiblefrom a smart telephone or tablet computer. As explained in more detaillater herein, a user may enter account information for one or moretransaction card accounts. The transaction card accounts can be linkedto the numberless transaction card in other ways, such as be scanning anactual transaction card with the AR device and converting theinformation on the scanned payment card to virtual account information.In some implementations, the user may also enter authenticationinformation, such as a voice print, retinal scan, finger print scan andfacial information. The user can also authorize a specific AR device foruse with the transaction card accounts.

Using the systems and methods, the user may be able to activate anaccount number on the transaction card via one or several ways. One wayin which an account number may be activated is with a verbal command.For example, if the transaction card is configured for one credit cardand one debit card, the user may simply issue a verbal command such as“credit card” or “debit card” to switch the active account on thetransaction card between a credit card and debit card, respectively. Inanother example, if the transaction card is configured for a pluralityof credit cards and/or debit cards, the user may issue a verbal commandspecific to a particular credit card or debit card. Another way in whichan account number may be activated is by touching a specific area of theAR device or using a hand gesture that may indicate a specific creditcard or debit card. As a further example, the user may activate anaccount number on the transaction card via an interface on a mobiledevice in communication with the transaction card. Other ways toactivate an account for the transaction card are possible.

Once a particular transaction card account is activated, the transactioncard may be used to purchase items. When the transaction card is scannedat a point of sale (POS) scanner, an account number for the activatedtransaction card is received during the POS scan. In embodiments inwhich the numberless transaction card stores information for multipletransaction card accounts, the account information for the transactioncard account currently active on the numberless transaction card inprovided to the POS.

FIG. 1 shows an example system 100 that supports a numberlesstransaction card. The system 100 includes a mobile device 102, a servercomputer 104, an AR device 106 and a transaction card 108.

Mobile device 102 is typically either a smart telephone or a tabletcomputer having a financial software application. A wireless connectionmay be established between mobile device 102 and server computer 104. Auser interface for the digital dashboard may be displayed on mobiledevice 102. Account information for the numberless transaction card maybe entered via the digital dashboard, as explained in more detail laterherein.

Typically, the digital dashboard is set up at the user's home. Forexample, mobile device 102 can be used at home to enter the accountinformation via the digital dashboard. Other devices, for example adesktop computer, tablet computer, etc., can be used at home to set upthe digital dashboard. When the digital dashboard is set up at home, theaccount information can simply be selected via AR device 106 when thenumberless transaction card is being used.

Server computer 104 can be a server computer associated with a financialinstitution, such as a bank. AR device 106 may be an AR headset or asmart telephone or tablet computer having a processor, display, cameraand AR software application. Transaction card 108 is a numberlesstransaction card in which account information is only visible to a userthrough an authorized AR device.

FIG. 2 shows example modules 200 of AR device 106. The example modules200 include a camera 202, a display 204, electronics 206 and GPSsoftware 208. The camera 202 is a camera that is built-in to AR device106. Display 204 is a display that is also built-in to AR device 106.Electronics 206 includes an electronic computing device with wirelesscapability. The wireless capability may include Bluetooth, radiofrequency identification (RFID) or similar types of wireless capability.GPS software 208 is typically a software application that may beinstalled on the mobile electronic device. When AR device 106 is an ARheadset, camera 202, display, 204, electronics 206 and GPS software 208are part of the AR headset.

FIG. 3 shows example components of the transaction card 108. In someembodiments, the transaction card 108 includes a wireless communicationdevice 302, electronics 304 and a dynamic magnetic stripe 306. Theexample wireless communication device 302 provides wirelesscommunication with the AR device 106. In an example implementation, thewireless communication device 302 is a passive radio frequencyidentification (RFID) device. In other embodiments, the wirelesscommunication device 302 is a Bluetooth enabled device, a WiFi enableddevice, a cellular communications enabled device, or other short or longwireless communication device.

In some embodiments, the wireless communication device 302 is powered bya battery (not shown) that is integrated with the transaction card 108.In other embodiments, the wireless communication device 302 derivespower from the AR device 106 when the wireless communication device 302is in close proximity to the AR device 106 or other devices. The ARdevice 106 includes functionality for communication with the wirelesscommunication device. For example, in one implementation, thetransaction card 108 includes an RFID tag and AR device 106 includes anRFID reader.

In this example implementation, when a particular payment account isselected on AR device 106, for example via a verbal command, gesture orother selection mechanism associated with the transaction card, ARdevice 106 sends identifying information for the selected paymentaccount to wireless communication device 302. The identifyinginformation is in the form of a signal sent from AR device 106 towireless communication device 302. The signal includes the identifyinginformation. In an example implementation, the signal may use a form ofload modulation or inductive coupling to transmit the identifyinginformation. Other ways for the signal to include the identifyinginformation are possible. In some implementations, the transaction card108 may include a power source such as a battery.

Alternatively, transaction card 108 can be configured to store accountinformation for one or more transaction card accounts. For example,transaction card 108 can include a memory (not shown) to storetransaction card account and other information, such as identificationinformation. The user can switch the transaction card account active ontransaction card 108 using a verbal command, gesture, or other selectionmechanism on AR device 106 as discussed above. In this embodiment, thesignal sent from AR device 106 only identifies the identity of thetransaction card account to be selected without transmitting accountinformation to transaction card 108.

The electronics 304 can include a semiconductor device, for example asmart chip, that is embedded in or attached to the transaction card. Theelectronics 304 extracts the identifying information from the signalsent to wireless communication device 302. In some embodiments using adynamic magnetic stripe, based on the identification information, theelectronics 304 polarizes the dynamic magnetic stripe 306 to theselected account.

The dynamic magnetic stripe 306 comprises a band of magnetic materiallocated on the back of transaction card 108 and forming a rectangularstripe. The band of magnetic material can store data by polarizing tinymagnets in the magnetic material. In this implementation, the dynamicmagnetic stripe 306 is polarized based on the identifying information inthe signal from wireless communication device 302. When the dynamicmagnetic stripe 306 is polarized based on the identifying information inthe signal from wireless communication device 302, the dynamic magneticstripe 306 stores information regarding the selected transaction cardaccount. The information stored in the dynamic magnetic stripe 306typically includes the account number, CVV and expiration date for theselected account. Other or different information pertaining to theselected account may be stored.

In other embodiments, the dynamic magnetic stripe 306 may not be used.Instead, alternative embodiments can use contactless smart cardtechnology. With the contactless smart card technology, the identifyinginformation may be stored in a memory device on the card or theidentifying information may be stored in the smart chip or on anothermicrochip contained within electronics 304.

In alternate embodiments, transaction card 108 includes a means forcommunicating the account information to a POS via near-fieldcommunication. For example, transaction card 108 can include anear-field communication transceiver that communicates with a near-fieldcommunications device at the POS to transmit information about theactive transaction card account on the transaction card. In thisembodiment, electronics 304 controls the information transmitted to thePOS via the near-field communications device. When the transaction card108 is programmed with the selected account information, the transactioncard 108 may be used for transactions for the selected account. Forexample, the transaction card 108 may be used in a POS device forpurchases and may be used in an automated teller machine (ATM) in a samemanner as if the transaction card 108 were a conventional transactioncard with the account number of the selected account embossed on theconventional transaction card.

FIG. 4 shows an example user interface 400 for a digital dashboard. Theuser interface 400 may be displayed on mobile device 102 to permit theuser to configure the transaction card 108 in advance of use.Alternatively, user interface 400 can be displayed on a home device,such as a home personal computer. The user interface 400 includes fieldsfor a user name 402, user ID 404, new transaction card name 406, newtransaction card account number 408, new transaction card nickname 410and current transaction cards 416. Other fields are possible on thedigital dashboard.

A user name and user ID are entered into the user name field 402 and theuser ID field 404, respectively. The user ID may be a user accountnumber for a financial institution such as a bank or some other uniqueidentifier for the user.

When the user wants to add a new transaction card account to a list ofaccounts for the transaction card 108, a name for the transaction cardaccount is entered via edit box 406 and an account number for thetransaction card account is entered via edit box 408. A new transactioncard nickname for the new transaction card account is optionally enteredvia edit box 410. The new transaction card nickname is a name that maybe associated with an activating verbal command. For example if the newtransaction card account name is a formal name for a credit card, thenew transaction card nickname may be an alias for the credit card. Whenthe new transaction card nickname field 410 is used, the activatingverbal command may be the nickname rather than the formal name.

When the user enters a new transaction card account and clicks Addbutton 414, the new transaction card information is sent to servercomputer 104 and added to a list of available credit card accounts fortransaction card 108. In addition, information regarding the newtransaction card account is added to and displayed in the currenttransaction cards pull-down list box 416. The user may scroll thecurrent transaction cards pull-down list box 416 to view transactioncard information for all current transaction cards that may be activatedfor transaction card 108. As discussed, a transaction card account maybe activated for transaction card 108 when the user issues a verbalcommand associated with the transaction card account.

A current transaction card may be deleted by selecting a transactioncard from the current transaction cards pull-down list box 416 and thenclicking Delete button 418.

In one alternative embodiment, the user can add a new transaction cardaccount available for activation on transaction card 108 using AR device106. For example, the user can capture an image of an actual transactioncard with the camera of AR device 106. The captured image includesaccount information such as the user's name, account number, CVV andexpiration date. AR device 106 can automatically extract the accountinformation from the captured image to make the transaction card accountavailable on transaction card 108.

FIG. 5 shows a flowchart of a method 500 for configuring and using anumberless transaction card.

At operation 502, the transaction card is configured with accountinformation. The account information comprises a name and account numberassociated with the transaction card. Account information for thetransaction card account is available on a server computer, for exampleserver computer 104, for a financial institution such as a bank.

The transaction card can be configured with the account information whenthe transaction card is issued to the user. The transaction card mayalso be configured with account information at other times—for examplewhen previous account information on the transaction card has beencompromised and new account information is to be configured and when anexpiration date has expired.

At operation 504, the account information is stored on the transactioncard and the transaction card is activated. In some embodiments, theaccount information is written to a dynamic magnetic stripe on thetransaction card. In other embodiments, for example when the transactioncard is a contactless card, the account information is written to anon-volatile memory device on the transaction card.

When the transaction card is activated, the transaction card may be usedto make purchases using the transaction card account. The transactioncard may be used in a similar manner to a standard transaction cardwhich has a transaction card account number and other informationembossed on the standard transaction card. For example, the activatedtransaction card may be used in a POS device when making purchases usingthe activated transaction card.

At operation 506, an identity of the wearer or user of the AR device isobtained. In some embodiments, the identity is obtained via a biometricauthentication method such as facial recognition, retinal scan, voiceprint analysis or finger print scan. The AR device includes softwarethat may be used to identify the wearer or user of the AR device fromprofile information, which can be stored on the AR device.

At operation 508, the wearer or user of the AR device is authenticated.Authentication comprises verifying that the identity of the wearer oruser of the AR device corresponds to a person who is authorized to viewtransaction card account information on the AR device. Theauthentication prevents unauthorized individuals from viewing thetransaction card account information associated with the numberlesstransaction card. In some implementations, the authentication may beimplemented on the AR device. In other implementations, theauthentication is implemented on a server computer, for example onserver computer 104.

When the authentication is implemented on the server computer,identification information for the wearer or user of the AR device issent from the AR device to the server computer. The server computercompares the identification with profile information that may be storedon the server computer or that is accessible from the server computer.The identification information that may be sent to the server computeris typically identification information derived from one of facialrecognition, retinal scan, voice print analysis or finger print scan.

At operation 510, transaction card account information is displayed onthe AR device. In some embodiments, the information is projected intospace in front of the transaction card using a display mechanism on theAR device. The information typically includes an account name, anaccount number, an expiration date and a CVV code. Other or differentinformation may be displayed. For example, an account balance and/or anamount of available credit for the transaction card account may bedisplayed. The information is displayed virtually so that only thewearer or user of the AR device is able to view the information. Theinformation is not visible on the transaction card and the informationis not visible to another user of an AR device that may view thetransaction card or that may be looking over the shoulder of the weareror user of the AR device on which the information is displayed.

FIG. 6 shows a flowchart of a method 600 for configuring and using anumberless transaction card that stores a plurality of transaction cardaccounts.

At operation 602, the transaction card is configured with accountinformation. The account information comprises names and account numbersfor one or more transaction card accounts that may be activated for thetransaction card. The transaction card accounts represent accounts thathave already been opened and approved for a user. Account informationfor the transaction card accounts is available on a server computer, forexample server computer 104, for a financial institution such as a bank.

In some embodiments, the transaction card is configured via a userinterface of a digital dashboard, as described with regard to FIG. 4.The digital dashboard can be rendered on a mobile electronic device suchas a smart telephone or a tablet computer or on a home device such as apersonal computer. Configuring the transaction card using the digitaldashboard comprises entering names and account numbers for eachtransaction card that may be used. In some embodiments, the names andaccount numbers are sent to the server computer. The server computerassociates the names and account numbers with the transaction card.Alternatively, the names and account numbers are stored locally on thetransaction card on AR device 106.

At operation 604, a command is received an AR device to activate atransaction card account. In some embodiments, the AR device, forexample AR device 106, is a smart glass type of headset such as GoogleGlass. The command can be a verbal command issued by the wearer or userof the AR device, though other types of commands described above arealso possible. The command identifies the transaction card account to beactivated. The transaction card may be identified via a name of thetransaction card, as entered into the digital dashboard, or via an aliasfor the credit card, as entered into the digital dashboard.

At operation 606, an identity of the wearer or user of the AR device isobtained. In some embodiments, the identity is obtained via a biometricauthentication method such as facial recognition, retinal scan, voiceprint analysis or finger print scan. The AR device includes softwarethat may be used to identify the wearer or user of the AR device fromprofile information, which can be stored on the AR device.

At operation 608, the wearer or user of the AR device is authenticated.Authentication comprises verifying that the identity of the wearer oruser of the AR device corresponds to a person who is authorized to viewtransaction card account information on the AR device. Theauthentication prevents unauthorized individuals from viewing thetransaction card account information associated with the numberlesstransaction card. In some implementations, the authentication may beimplemented on the AR device. In other implementations, theauthentication is implemented on a server computer, for example onserver computer 104. When the authentication is implemented on theserver computer, identification information for the wearer or user ofthe AR device is sent from the AR device to the server computer. Theserver computer compares the identification with profile informationthat may be stored on the server computer or that is accessible from theserver computer. The identification information that may be sent to theserver computer is typically identification information derived from oneof facial recognition, retinal scan, voice print analysis or fingerprint scan.

At operation 610, after the wearer or user of the AR device isauthenticated, a transaction card account associated with the command isactivated on the transaction card. The activated account number (as wellas CVV and expiration date) are then viewable by the user virtually onthe transaction card through the AR device. The activation of thetransaction card account comprises sending a signal from the AR deviceto the transaction card. The signal is sent via wireless communicationto a wireless communication device on the transaction card. The signalincludes information identifying the transaction card account to beactivated. In some embodiments, the information is used to identify thetransaction account to be activated on a dynamic magnetic stripe on thetransaction card. The dynamic magnetic stripe stores account informationfor one or more transaction cards. In other embodiments, the informationis used to control the signal transmitted from a near-fieldcommunications device on the payment card.

When the transaction card is activated, the transaction card may be usedto make purchases using the transaction card account. The transactioncard may be used in a similar manner to a standard transaction cardwhich has a transaction card account number and other informationembossed on the standard transaction card. For example, the activatedtransaction card may be used in a POS device when making purchases usingthe activated transaction card.

At operation 612, transaction card account information is displayed onthe AR device. In some embodiments, the information is projected intospace in front of the transaction card using a display mechanism on theAR device. The information typically includes an account name, anaccount number, an expiration date and a CVV code. Other or differentinformation may be displayed. For example, an account balance and/or anamount of available credit for the transaction card account may bedisplayed. The information is displayed virtually so that only thewearer or user of the AR device is able to view the information. Theinformation is not visible on the transaction card and the informationis not visible to another user of an AR device that may view thetransaction card or that may be looking over the shoulder of the weareror user of the AR device on which the information is displayed.

As illustrated in the example of FIG. 7, the AR device 106 includes atleast one central processing unit (“CPU”) 702, a system memory 708, anda system bus 722 that couples the system memory 708 to the CPU 702. Thesystem memory 708 includes a random access memory (“RAM”) 710 and aread-only memory (“ROM”) 712. A basic input/output system that containsthe basic routines that help to transfer information between elementswithin the AR device 106, such as during startup, is stored in the ROM712. The AR device 106 further includes a mass storage device 714. Themass storage device 714 is able to store software instructions and data.A central processing unit, system memory and mass storage device similarto that in FIG. 7 are also included in server computer 104.

The mass storage device 714 is connected to the CPU 702 through a massstorage controller (not shown) connected to the system bus 722. The massstorage device 714 and its associated computer-readable data storagemedia provide non-volatile, non-transitory storage for the AR device106. Although the description of computer-readable data storage mediacontained herein refers to a mass storage device, such as a hard disk orsolid state disk, it should be appreciated by those skilled in the artthat computer-readable data storage media can be any availablenon-transitory, physical device or article of manufacture from which thecentral display station can read data and/or instructions.

Computer-readable data storage media include volatile and non-volatile,removable and non-removable media implemented in any method ortechnology for storage of information such as computer-readable softwareinstructions, data structures, program modules or other data. Exampletypes of computer-readable data storage media include, but are notlimited to, RAM, ROM, EPROM, EEPROM, flash memory or other solid statememory technology, CD-ROMs, digital versatile discs (“DVDs”), otheroptical storage media, magnetic cassettes, magnetic tape, magnetic diskstorage or other magnetic storage devices, or any other medium which canbe used to store the desired information and which can be accessed bythe AR device 106.

According to various embodiments of the invention, the AR device 106 mayoperate in a networked environment using logical connections to remotenetwork devices through the network 720, such as a wireless network, theInternet, or another type of network. The AR device 106 may connect tothe network 720 through a network interface unit 704 connected to thesystem bus 722. It should be appreciated that the network interface unit704 may also be utilized to connect to other types of networks andremote computing systems. The AR device 106 also includes aninput/output controller 706 for receiving and processing input from anumber of other devices, including a touch user interface displayscreen, or another type of input device. Similarly, the input/outputcontroller 706 may provide output to a touch user interface displayscreen or other type of output device.

As mentioned briefly above, the mass storage device 714 and the RAM 710of the AR device 106 can store software instructions and data. Thesoftware instructions include an operating system 718 suitable forcontrolling the operation of the AR device 106. The mass storage device714 and/or the RAM 710 also store software instructions, that whenexecuted by the CPU 702, cause the AR device 106 to provide thefunctionality of the AR device 106 discussed in this document. Forexample, the mass storage device 714 and/or the RAM 710 can storesoftware instructions that, when executed by the CPU 702, cause the ARdevice 106 to display received financial data on the display screen ofthe AR device 106.

Although various embodiments are described herein, those of ordinaryskill in the art will understand that many modifications may be madethereto within the scope of the present disclosure. Accordingly, it isnot intended that the scope of the disclosure in any way be limited bythe examples provided.

What is claimed is:
 1. A transaction card comprising: a processing unit;a first memory configured to store account information for a pluralityof transaction card accounts; and system memory, the system memoryincluding instructions which, when executed by the processing unit,cause the transaction card to: receive a command from an electroniccomputing device to activate one of the plurality of transaction cardaccounts; identify from the command a first transaction card account toactivate; obtain first data stored on the first memory relative to thefirst transaction card account; determine whether one of the pluralityof transaction card accounts is currently active on the transactioncard; and when a determination is made that none of the plurality oftransaction card accounts is currently active on the transaction card,use the first data to activate the first transaction card account. 2.The transaction card of claim 1, wherein when a determination is madethat one of the plurality of transaction card accounts is currentlyactive on the transaction card: deactivate the transaction card accountthat is currently active; and use the first data to activate the firsttransaction card account.
 3. The transaction card of claim 1, whereinthe instructions further cause the transaction card to: receive acommand from the electronic computing device to remove a transactioncard account; and delete the transaction card account from the firstmemory.
 4. The transaction card account of claim 1, wherein theinstructions further cause the transaction card to: receive a commandfrom the electronic computing device to add a transaction card account;and add the transaction card account to the first memory.
 5. Thetransaction card of claim 1, wherein receiving the command from theelectronic computing device further comprises receiving the command vianear-field communication.
 6. An augmented reality (AR) devicecomprising: a processing unit; and system memory, the system memoryincluding instructions which, when executed by the processing unit,cause the AR device to: initiate activation of a first transaction cardaccount on a transaction card in response to a command; obtainidentification factors from a person wearing the AR device, theidentification factors including at least one biometric identificationfactor; authenticate the person wearing the AR device based on theidentification factors to determine that the person wearing the ARdevice is authorized to activate the first transaction card account onthe transaction card and to view first transaction card accountinformation on the AR device; after authenticating the person wearingthe AR device, activate the first transaction card account on thetransaction card, the activation of the first transaction card accountcomprising sending a wireless signal to the transaction card, thewireless signal including information identifying the first transactioncard account to be activated; display a first virtual representation offirst transaction card account identifying information corresponding tothe activated first transaction card account on the AR electronicdevice, the first virtual representation being projected on thetransaction card by the AR electronic device, the first transaction cardaccount identifying information including one or more of an accountname, an account number, an expiration date and a card verificationvalue (CVV) for the first transaction card account; receive a request toactivate a second transaction card account on the transaction card;deactivate the first transaction card account on the transaction card;activate the second transaction card account on the transaction card;and display a second virtual representation of the second transactioncard account information on the transaction card.
 7. The AR device ofclaim 6, wherein the system memory stores information for a plurality ofpayment card accounts, and wherein the instructions further cause the ARelectronic device to generate an alert on the AR electronic deviceindicating that one of the plurality of payment card accounts iscompromised.